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I have a few questions about fast pay, if i don't have a bank card i can't set up for fast pay?

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Unfortunately I don't think so. I could be wrong but from what I understand fast pay runs through a partner and not Door dash itself which is why they have the fee and don't get access to your bank account number. Idk if a prepaid credit card (like the ones walmart sells) would work but it's the only other thing I can think of for you to try if you don't have a debit card.